Insurance-aware directory

Start with ABA providers connected to your insurance.

ABA Care Network™ connects 3,431 provider profiles to insurer-published plan information. Use your coverage to focus the search before you begin calling.

StateInsurance carrierZIP code or city

Insurer directories and benefits can change. Confirm your exact plan, network status, and authorization requirements before scheduling.

Medicare and ABA

Learn how to verify a specific service with Original Medicare or Medicare Advantage.

TRICARE Autism Care Demonstration

Review eligibility, referral, authorization, and ongoing ABA requirements.

Medicaid and state programs

Find ABA therapy that accepts Medicaid near you.

Browse national, state, and city Medicaid pages—including dedicated HUSKY searches across Connecticut.

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Browse popular coverage paths

Find providers by carrier.

Blue Cross Blue Shield

1,499 provider profiles

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UnitedHealthcare

202 provider profiles

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Coverage basics

Is ABA therapy covered by insurance?

Does insurance cover ABA therapy?

In most cases, yes. All 50 states have autism insurance mandates that require state-regulated health plans to cover medically necessary ABA therapy, usually after an autism diagnosis. Self-funded employer plans (ERISA) are exempt from state mandates, but many still include ABA benefits — call the number on your insurance card to confirm your specific plan.

Is ABA therapy covered by Medicaid?

Yes. Under the federal EPSDT benefit, every state Medicaid program must cover medically necessary ABA therapy for children under 21. Program names, prior-authorization steps, and provider networks vary by state — check your state Medicaid page for local details.

How much does ABA therapy cost with insurance?

With in-network coverage, families typically pay a copay or coinsurance per session until reaching their out-of-pocket maximum. Without insurance, ABA therapy commonly runs $120–$250+ per hour, so a comprehensive 20–40 hour/week program can exceed $60,000+ per year. This is why confirming coverage first matters.

What if my plan denies ABA coverage?

Denials are often overturned. Ask for the denial reason in writing, request a letter of medical necessity from your diagnosing clinician, and file an internal appeal — then an external review if needed. Your state insurance department can help with state-regulated plans.

Want the full picture on out-of-pocket costs? Read the ABA therapy cost guide or explore Medicaid ABA coverage by state.

Before you choose

Five questions worth asking your plan.

Have your insurance card and a few promising provider names ready. Ask for written answers or save the call reference number.

1 Is ABA covered under behavioral health or medical benefits?
2 Is prior authorization required for the assessment or treatment?
3 Which nearby ABA providers are in network for my exact plan?
4 Are in-home, center-based, telehealth, and parent-training services covered?
5 What deductible, copay, coinsurance, and out-of-pocket limits apply?

Turn coverage information into a shortlist.

Compare provider details first, then contact the strongest options to confirm benefits, authorization support, and openings.

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